Been some time since my final weblog submit.
I’ve been busy with many issues at dwelling and I’ve not been trying on the inventory market.
The final time I did something within the inventory market was in December final yr after I purchased some shares of Alibaba and Wilmar.
Thankfully, my funding portfolio is on “auto mode.”
Roughly.
It does not require fixed consideration from me.
It merely generates passive revenue for me often and all I’ve to do is to test my checking account on a month-to-month foundation to see how a lot I’ve been paid.
That is nonetheless one thing I’ve to do since I do not need to overspend and I’ve to allocate extra capital.
In latest weeks, in terms of extra capital, all I did was to take care of my T-bill ladder and this was one thing I’ve produced blogs and movies on.
T-bills are nonetheless an excellent place to park extra money for now as I look ahead to higher funding alternatives within the inventory market.
Rates of interest are more likely to keep larger for longer because the Fed is not as all in favour of chopping charges as they have been within the second half of final yr.
That is after all excellent news for my comparatively giant place in DBS, OCBC and UOB.
All three banks are more likely to proceed paying significant dividends they usually may pay extra in 2025.
It’s because they’ve loads of extra capital.
Having mentioned this, you will need to point out that I’m not all the time flushed with extra capital.
There will likely be months after I do not obtain any dividend or little or no.
First and fourth quarters are often drier.
January often sees a drought!
I obtained zero dividend in January 2025!
Nonetheless, my funding portfolio nonetheless generated 42% larger passive revenue in January, yr on yr.
That is all due to T-bills and Singapore Financial savings Bonds.
Mounted revenue.
I’ve been stashing extra money in T-bills and SSBs.
To make sure, the passive revenue in greenback phrases isn’t thoughts blowing.
January 2025: $1,491.93
January 2024: $1,046.20
It is a rise of some $450.
Sufficient to cowl a few of my routine bills.
After all, if I had primarily relied on one thing like this over time, I’d not have what I’ve at this time financially.
That is simply a part of my monetary pyramid and it contributes to my portfolio’s stability.
After all, common readers additionally know that I just like the CPF system very a lot however with the CPF SA going away as soon as we flip 55 years of age, now we have to be much less reliant on the CPF to fund our retirement.
Investing within the inventory market remains to be one thing that each common particular person ought to significantly contemplate as a way to have a extra snug retirement.
Methods to get it proper more often than not?
I’ve shared my strategies and philosophy right here in my weblog over time and extra not too long ago in my YouTube channel.
Some have requested me if I may conduct funding programs however, after all, readers who’ve been following me for a few years would know my reply to that.
Nonetheless, it’s that point of the yr once more and for anybody who’s to learn to make investments for revenue, “Dividend Machines” is open for registration once more.
“Dividend Machines” is the one course I’ve promoted yearly since its founding so a few years in the past.
It’s not solely effectively structured, additionally it is effectively priced and doesn’t price hundreds of {dollars}.
It’s run by my mates at The Fifth Particular person and a few of you interacted with Victor who was the visitor speaker throughout “Night With AK And Buddies 2025.”
Anyway, if you’re all in favour of rising streams of passive revenue and you have to be, take a look:
If AK can do it, so are you able to!
